Affordable Care Act and Dental Insurance and Discount Plans

With the rising costs of dental care and the seemingly high premiums of dental insurance, it is but common for many people to fail to get the necessary dental care they need. They would rather put off to a later date their dental checkups and dental care than risk paying those exorbitant fees that would allow them to avail of dental care. Statistics show that around a third of the citizenry of the US fails to have regular checkups or regular dental care. Numerically, this percentage translates to more than a hundred million people. Considering this very large number of people, it only means that those so-called cheap dental insurance are not really affordable dental care.

The passing of the Affordable Care Act (ACA), or what we call as Obamacare, is said to create more affordable health and dental insurance. The reforms which are embedded in the said act include guaranteed issue which prohibits and prevents insurance companies from precluding an individual from having coverage in relation to pre-existing conditions. Likewise, it sets minimum standards for health insurance policies. It also sets the individual mandate which means that all individuals who are not covered by health plans sponsored by employers should secure any private-insurance policy approved by the employer. Although the full realization of this quixotic universal health care will definitely take a lot more time, the provisions of the ACA surely give so much hope to people who could barely afford dental and health care benefits. At present, there are almost 100 million Americans, which is almost a third of the country’s population, who fail to get regular dental care. Some of these people can’t afford to get dental insurance, and consequently can’t get dental care. Hence, they are pinning their hopes on the effectiveness of ACA in changing the status quo.

Dental Insurance and Dental Discount Plans
Dental insurance are definitely costly, and those who belong to the below income households would surely think twice in availing of dental insurance. Likewise, even if there are other alternatives such as the dental discount plans, they would definitely relent in paying for their regular dental checkups and dental care. Prior to Obamacare, the average insurance premium is around $75 to $100. If you are paying for your own dental insurance, you would be paying somewhere around $12 to $50 per month. Plus there are limitations to the coverage of dental insurance like age limits, no pre-existing conditions, and the waiting period. Hence, many people nowadays are taking a closer look at the benefits afforded by dental discount plans which is the alternative to dental insurance. Although dental discount plans are not insurance, they are still there to minimize the cost of dental works by providing discounts to plan holders. Additionally, some financial experts would readily favor dental discount plans over dental insurance.

Obamacare wants to eradicate the limitations in dental care, and since it is already in its initial phase of implementation, most of us can expect a radical change in the status quo, and we are hopeful that someday, the ideal health care system, which includes dental care, will be in place in the US.